FAQs and Glossary

FAQs

Where is The Summit at Brighton located?
The Summit at Brighton is located at 2000 Summit Circle, in the Town of Brighton right off Winton Road South near Route 590.

Do you have to be Jewish to live at The Summit?
No, you do not have to be Jewish to live at the Summit. The community is open to people of all faiths, nationalities and ethnicity.

Should I decide to join The Summit at Brighton, what fees can I expect to pay?
There are three types of fees at The Summit. The first is called a Refundable Entrance Fee, which provides you with lifelong use of your apartment home, use of all the independent living community areas, and guaranteed access to higher levels of care on-site at Wolk Manor assisted living and the Jewish Home of Rochester for long-term care. Entrance Fees are refundable in varying percentages, depending on which plan you choose.

The second is called a Life Care fee, which is only applicable if you choose the Life Care plan. Life Care is like prepaid long-term care, so if residents move from one level of living to another, they pay virtually no more for assisted living or long-term care than they were paying in their independent living apartment.

The third is a monthly service fee that covers all the services you will receive as a resident of The Summit.

Flexible dining plan

Weekly housekeeping and flat laundry service

Repairs and routine maintenance of apartments, buildings and grounds

Satellite television service

All utilities included except telephone

Scheduled courtesy transportation

Social, cultural, intellectual and recreational programs

24-hour security and emergency response

Priority access to Wolk Manor assisted living and the Jewish Home of Rochester for long-term care or short-term transitional care

What if I already have long-term care insurance?
Should you have long-term care insurance already you have several options.

You can choose our Life Care plan and use both your Life Care benefit and your long-term care insurance benefit should you require long-term care.

You can choose our Life Care plan and cancel your long-term care insurance and stop paying the premiums since your Life Care plan would provide you the benefit of only paying for independent living no matter what level of care you live in, for the rest of your life.

You can choose our Modified Life Care plan that offers 60 days of assisted living and 60 days of skilled nursing care at the independent living rate and then also use your long-term care insurance benefit.

You can choose our Fee-for-Service plan and use your long-term care insurance benefits toward future assisted living or long-term care.

Glossary

Accreditation
A seal of approval given by a governing body to a housing and/or service provider. To become accredited, the community or provider must meet specific requirements set by the accreditation entity and is then generally required to undergo a thorough review process by a team of evaluators to ensure certain standards of quality. The accrediting organizations are not government agencies or regulatory bodies. Examples of some accreditation bodies for the senior housing and care industry include CCAC (Continuing Care Accreditation Commission) and CARF (Commission on Accreditation of Rehabilitation Facilities).

Adult Day Care:
Daily structured programs in a community setting with activities and health-related and rehabilitation services to people who are physically or emotionally disabled and need a protective environment. This care is provided during the day, with the individual returning home for the evening.

Alzheimer’s Disease:
Degenerative age-related disease that impairs an individual’s cognitive ability. Symptoms may include forgetfulness, wandering, and inability to recognize others. The disease is caused by neuron dysfunction and death in specific brain regions responsible for cognitive functions. Both genetic and environmental factors likely play a role in the development of Alzheimer’s Disease.

Assisted Living:
In general, state-licensed program offered at a residential community with services that include meals, laundry, housekeeping, medication reminders, and assistance with activities of daily living (ADLs). The exact definition will vary from state to state, and a few states do not license assisted living facilities. Generally regarded as one to two steps below skilled nursing in level of care. Approximately 90 percent of the country’s assisted living services are paid for with private funds, although some states have adopted Medicaid waiver programs.

CARF/CCAC:
The Commission on Accreditation of Rehabilitation Facilities and the Continuing Care Accreditation Commission. The nation’s only accrediting body for continuing care retirement communities and similar human services organizations. CARF—CCAC accreditation demonstrates an organization’s quality, transparency and commitment to the satisfaction of the persons served. An organization receiving accreditation has voluntarily put itself through a rigorous peer review process and demonstrated to a team of surveyors during an on-site survey that it is committed to conforming to CARF—CCAC’s accreditation conditions and standards. Furthermore, an organization that earns CARF—CCAC accreditation is commended on its quest for quality programs and services.

Continuing Care Retirement Community (CCRC):
Housing planned and operated to provide a continuum of accommodations and services for seniors including, but not limited to, independent living, congregate housing, assisted living, and skilled nursing care. A CCRC resident contract often involves either an entry fee or buy-in fee in addition to the monthly service charges, which may change according to the medical services required. Entry fees may be partially or fully refundable. The fee is used primarily as a method of privately financing the development of the community and for payment for future healthcare. CCRCs are typically licensed by the state. See also Life Care Community.

Continuum of Care:
Full spectrum of care available at continuing care retirement communities which may include independent living, assisted living, nursing care, home health care, and home and community-based services.

Independent Living:
Multi-unit senior housing development that may provide supportive services such as meals, housekeeping, social activities, and transportation (congregate housing, supportive housing, retirement community). Independent living for seniors typically encourages socialization by provision of meals in a central dining area and scheduled social programs. May also be used to describe housing with few or no services (senior apartment).

Life Care Community:
A continuing care retirement community (CCRC) which offers an insurance-type contract and provides all levels of care. Little or no change is made in the monthly fee, regardless of the level of care required by the resident, except for cost-of-living increases.

Long-Term Care:
Also referred to as skilled nursing care, these are health care services to persons of any age who are afflicted with chronic health impairments and require nursing care.

Long-Term Care Insurance:
Privately issued insurance policy which covers some of the cost of nursing home care, assisted living, and home health care. Premiums are based on age, health, length of deductible period, amount paid, and duration of benefits.

Medicaid:
A jointly funded medical financial federal-state health insurance assistance program, offering benefits to individuals with limited financial resources, the disabled, and the elderly. There are income eligibility criteria which must be met to qualify for Medicaid. Medicaid accounts for about 52 percent of the nation’s care costs, and is the source of payment for almost 70 percent of residents in nursing homes. The person must have exhausted nearly all assets and be in a nursing facility that participates in this program. Medicaid can reimburse nursing facilities for the long-term care of qualifying seniors, and in some states, Medicaid pays for assisted living care through Medicaid waivers.

Medicare:
Nationwide medical insurance program administered by the Social Security Administration for individuals 65 and over and certain disabled people, regardless of income. Provides for hospital and short-term nursing facility care (Part A) and physician services, therapies, and home health care (Part B). Medicare benefits do not cover long-term care.

Nursing Home:
Facility licensed by the state that provides 24-hour nursing care, room and board, and activities for people with chronic and/or long-term care illnesses. Regular medical supervision and rehabilitation therapy are mandated to be available, and nursing homes are eligible to participate in the Medicaid program. May be referred to as “nursing facility” or “convalescent home.”

Rehabilitation:
Therapeutic care for persons requiring intensive physical, occupational, or speech therapy. Care may be provided on an in-patient or out-patient basis, depending on the physician’s orders.

Respite Care:
Temporary relief for caregivers, ranging from several hours to days. Caregivers may leave their loved one for care and services while they go away on business or vacation, or go about their daily chores with the peace of mind in knowing that their loved one is being cared for when they cannot be there to do it themselves. May be provided in-home or in a setting such as assisted living or a nursing home.

Transitional Care
Also referred to as inpatient rehab, transitional care is for people who need short-term, transitional care after hospitalization for an illness or surgery, in order to rebuild their strength and abilities before returning home.